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    • Morning, I purchased a car from Big Motoring World on 10th December 2023 for £14899.00. On the 15th December I had a problem with the auto start stop function of the car in which the car would stop in the middle of the road with a stop start error message. I called the big assist and the car was booked in for February. The BMW was with them for a week and it came back with the auto stop start feature all fine and all error codes cleared on the report from big motoring world. within 5 days I had the same issue. Warning light coming on and the car stopping. I called big assist again and the car was again booked in for an other repair in May. Car was taken back in may, they had the car for a week and returned with the report saying no issue with the auto stop start feature and blamed my driving. Within 5 days of having the car back it broke down again. This time undrivable. I had the rac pick my car up and take to Stephen James BMW for a full diagnostic. The diagnostic came back with the car needing a new fuel system as magnetic swarf was found.  I have sent big motoring world a letter stating all the issues and that under the consumer rights act 2015 I have asked for a replacement vehicle. all reports from Stephen James BMW have been sent over to big motoring world. Big motoring world have come back and said they will respond to my complaint within 14 days for the date of my complaint letter. I am not feeling confident on the response from them, what are my next steps?   Thanks in advance. 
    • That is really good is that a mistake last off "driver doesn't have a licence" I assume that should be keeper? The Court requested me to send the Court and applicant proof of my sons disability from their GP this clearly shows he has Severe Mental Impairement, he is also illiterate.  I naively assumed once the applicant received this that they would drop the claim.  It offends me that Bank has asked the Judge to throw the case out at the preliminary hearing and to make us pay up.
    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. The parking is free but I suppose there must be a time limit on it that I am not aware of. We were in the area for around 4 hours. Makes us wonder how they deal with people staying in the hotel as the ANPR is on what appears to be a publicly maintained street (where london buses run) which leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Arkanara v A&L


arkanara
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Thank you all, you have no idea just what a relief it is to have such supportive people to rely on.

 

Thanks to you guys I shall hand in my Defence with a smile instead of a shaking hand, thats to both the court and the bank!!

 

I 'l keep you all posted.:)

 

Em.

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Hi all,

 

Defence and AQ submitted to Court on Friday.

 

When I arrived home I had received a letter from the solicitor dealing with the claim. Attached was a copy of the AQ they had submitted and it said they would look forward to receiving a copy of ours? I was aware I had to send them a copy of the defence but no where in my docs did it say I had to send them a copy of the AQ so I didn't. Will this go against us, have I made a big mistake?

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No don't worry .

You are not obliged to send a copy of your AQ to the defendent.

However you can send them one as a matter of goodwill.

 

Regards

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Just popped in to say good luck, you've been fantasically brave and many other would have given up long before now, so glad you have stuck to your guns and are seeing this through to the bitter end.

 

Won't be long now and hopefully Cumberlands will get their knickers in a twist by the mere fact that you have stood up to their bullying and intimidation!

 

Well done

9/8 - Discovered Consumer Action Group Site:D

 

RBOS - Personal Account

10/8 - S.A.R - (Subject Access Request) to RBOS

17/5 - Defence lodged by RBS

24/5 - Court date

21/5 - Offer received:rolleyes:

22/5 - Offer rejected

25/5 - New offer received and accepted!!!!!!

 

MBNA Credit Card

10/8 - S.A.R - (Subject Access Request) to MBNA

Feb 07 Received payment in full...Yeh!!!!:-D

 

RBOS Business Account

25/5 - May 07 - Statements received

23/7 - Offered received

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Thanks guys, it is really scary and without the support of everyone here I would never have been able to stick it out this far.

 

I hope your right Vonnie, i'm also hoping they didn't intend for us to stand up to them.

 

Time will give us the answer!!

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Arkanara.

 

Just remember this ........... It's you taking them to court not the other way round.All you have to lose is your court fees and a bit of time,the rest i.e the money they have already had from you.

 

As I like to say "don't let the tail wag the dog"

 

The way some of these banks and mortgage lenders carry on they can make it feel that way

 

Regards

 

MF5

Halifax Bank plc £1573 settled 19/6/ 06 :D

 

Abbey National PLC

Settled in full £1,754 15/9/06 :grin:

 

Halifax Credit Card £441.63 settled in full 27/10/06 :-)

 

 

Mortgage Express ERP

Pre letter 10/7/06

LBA 27/7/06

MCOL issued 6/9/06

Court Date Feb 06

Lost in court costs awarded £7,500PAYPAL [email protected]

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Hi all,

 

Nothing really to report but I came across something while I was looking through their AQ which has made me think a little. They have listed dates they cannot attend court, quite a few actually. Their solicitor must have alot of time off! Listing these is something that makes me think that they do plan to take this seriously and maybe attend court! Would this be unusual for a bank to actually go through with it and attempt defending the claim?

 

Thanks as always in advance.

 

Em

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It is unusual for the bank to take it all the way but you should always work on the assumption that it will go to court and make sure you prepare for court. The filling in of dates may well be a scare tactic, but ensure that you are ready should they decide to take it all the way. Cumberland BS is not a company that hasfeatured much on this site and its therefore difficult to gage their tactics. I'm aware of only one other who took legal advice after receiving the counter claim and was advised to abandon her case. So I would imagine they are expecting you to do the same. Its a matter of waiting to see who blinks first.

 

Stick to your guns and keep them on their toes.

 

All the best

 

Zoot

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Yes true.Yorkshire bank are known to issue counter claims too.

Its not the first time we have seen them giving unavailable dates.....like Zoot says they know you will read into this on the assumption that they are giving thoughts to attending a hearing.

They could also be considering applying for a telephone hearing. using the excuse that its more convenient for them.......seen more frequently in particular with Citi as Zoot is quite aware of.

Whatever the reasons behind this you should,as has been said,be prepared for all eventualities.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks both,

 

I have been making myself familiar with the court bundle and when/if a court date is received I will begin to prepare it, just a shame this is in my partners name as he isn't as confident about all the info like us who are avid readers of this site. Homework lessons due I think!

 

I assume that the the person who decided to take legal advise was advised to drop the case as she was not guaranteed to win, as no one has really been to court yet or because they have no gain in helping?

 

Thanks for the help.

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It was some time ago now and there was little knowledge on the site as to how to react to a counterclaim. Solicitors are not generally conversant or used to dealing with bank charge cases and it may well have been too much effort for them to take the case on, so the easiest advice for them to give would be to tell them to drop it. You can see the thread here:

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/14020-my-banks-filed-counterclaim.html

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You could act as your partners lay representative if it ever came to court and he agrees to it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...

I submitted a MCOL on 21st June and haven't got a date yet, although other things have happened like a stay and huge backlogs at my local court. It won't hurt to phone the court to find out what's going on though.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Finally I have something to report!!

 

Just spoke to the court and they've told me that a date has been set for a hearing, 2nd February. I take it my local courts are as snowed under as the rest! They said my partner should have a letter about it when we get home.

 

Court bundle to start then...

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It's official, finally received the letter. Hearing is set for 8th Feb, it said that mine would be heard back to back with other hearings. I assume this is no different from any other, I think i've read somewhere the same.

 

My court bundle has to be in by 12th Dec, doesn't give me much time to prepare it!

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Update:

 

The Cumberland have sent their court bundle today. Its just copies of their terms and conditions, copy letters they sent when a charge had been applied, two refund charge letters when two of the applied charges had been refunded, banking code leaflets etc. Nothing which argues that there charges are not a disproportionate penalty.

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Bundles handed in today, quite proud of them, especially in comparison to theirs! The only thing i've realised after handing them in is that I've page numbered the courts and my own but I didn't page number the banks. Is that ok?

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